Your situation would be best taken care of by your own attorney, not by sitting back and waiting for inclusion in a class action involving thousands of persons. If you want legal help modifying your mortgage you need to hire an attorney in your local area who is working only for you. A variety of class actions involving so-called "predatory" mortgage lenders have been filed. If you are within the definition of the class of affected victims you do not "join" the case--rather you would...
Your case must be a very small class action involving perhaps less than 100 victims. I say this because in the typical class action involving thousands of victims a settlement will rarely require all class members to agree, and those who do not agree can opt out of the settlement and do nothing or sue on their own. If your settlement has terms in which the other side agrees to settle only if all victims agree to the proposed settlement, unfortunately there is no way to compel completion of...